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  • Writer's pictureCharlotte Burr

Choosing an Insurance Agent: Captive vs. Independent Agents Explained


If you are buying or changing insurance, you will be working with either a captive agent or an independent agent. It is important to know the differences between the two if you want the best possible service and price. Here is a breakdown of the differences between both types of agents:


Captive Agent: Captive agents work for one insurance company exclusively. This means that they will only be knowledgeable in one insurance company's policies and prices and will have a lack of options. Furthermore, captive agents will not get you the best price available most of the time.


Independent Agent: On the other hand, independent agents are not tied to any single insurance company. They have the flexibility to work with multiple insurance companies, offering a wide selection of policies and coverage options to their clients. Independent agents will get you a better policy at a better price compared to captive agents.


Independent agencies like AZ Insurance Team are committed to getting you the best insurance policy at the best price!


Give us a call today at (480)-535-5709


Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…

Disclaimer: Coverage will vary on state, insurance company, and type of policy.

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